Search found 1226 matches

by whaleknives
Tue Jul 18, 2023 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Transferring money from Chase to Fidelity
Replies: 3
Views: 3462

Re: Transferring money from Chase to Fidelity

This recent article by Harry Sit might be helpful: ACH Push or Pull: The Right Way to Transfer Money (JULY 17, 2023) .
by whaleknives
Tue Jul 18, 2023 10:03 am
Forum: Personal Finance (Not Investing)
Topic: How long should I plan for it to take for money to go from Vanguard fund to my checking account?
Replies: 38
Views: 11114

Re: How long should I plan for it to take for money to go from Vanguard fund to my checking account?

This article by Harry Sit in The Finance Buff makes some ACH recommendations and discusses overnight batch processing: ACH Push or Pull: The Right Way to Transfer Money (JULY 17, 2023) .
by whaleknives
Tue Jul 11, 2023 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees who never made it to $1 million
Replies: 100
Views: 18266

Re: Retirees who never made it to $1 million

I for one am a retiree (12 years) who never had a million bucks...I'm happy, healthy, and am enjoying my life. Like tennisplyr, I retired 8 years ago at less than a million in savings and net worth. We've maintained our lifestyle, adding savings on Social Security and no other pensions. After living below our means, time in the market has been the next most important factor. Our net worth reached $1 million this year, and our portfolio may exceed $1 million in another 5 years. One couple's snapshot: Employment: 41 years, mostly single earner. Retired at 64-1/2 years. Home ownership: 35% of net worth Location: Wisconsin Income: Social Security primary at 70 and spousal benefit at Full Retirement Age. No other pensions. Savings: 401(k) rolle...
by whaleknives
Mon Jul 10, 2023 8:16 pm
Forum: Personal Investments
Topic: Problem with Vanguard this evening? [prices not updated]
Replies: 30
Views: 2228

Re: Problem with Vanguard this evening?

sport wrote: Mon Jul 10, 2023 8:06 pm I logged in with this https://dashboard.web.vanguard.com/
My totals are up-to-date and have been for at least 2 hours.
This link tells me "†Balances as of 07/07/2023, 4:00 p.m., Eastern time."
by whaleknives
Thu Jun 01, 2023 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Excel circular reference computing Roth conversions
Replies: 14
Views: 1555

Re: Excel circular reference computing Roth conversions

Is iteration an option on your spreadsheet? On Excel for Mac the setting Preferences > Calculation > Use iterative calculation will automatically (or manually) recalculate to a solution, or the limits of maximum times or difference. Depending on your formulas, initial entries, and limits the numbers either converge towards a solution or diverge to infinity.
by whaleknives
Thu Mar 16, 2023 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: How long should I plan for it to take for money to go from Vanguard fund to my checking account?
Replies: 38
Views: 11114

Re: How long should I plan for it to take for money to go from Vanguard fund to my checking account?

Everything takes 2 business days for a transaction to complete, whether you're selling, buying, or even just exchanging within Vanguard accounts. One business day to post the withdrawal, and one business day to post the deposit. A Vanguard fund sale to your checking account would post at Vanguard the next business day after the sale, and at your checking the 2nd business day.

You add your bank information at My Accounts > Profile and account settings > Bank information, and select the source or destination bank account on the Transaction form. You can enter the bank account(s) in advance.
by whaleknives
Fri Oct 28, 2022 6:23 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3898
Views: 2434702

Re: Why is a TIPS fund not in the 3-Fund Portfolio?

alex_686 wrote: Fri Oct 28, 2022 6:02 pm Nor does it include junk bonds, mbs, CMOs, convertible bonds. Or preferreds which act more like the bonds in a total bond fund then those that I have already mentioned.

You want to group similar assets together - and TIPS do not act like nominal bonds. I mean that I have seen arguments that dividend paying stocks can be used as a bond substitute? Where does one draw the line?
If "mbs" is mortgage-backed securities, then today Vanguard Total Bond reports 20.1% Government mortgage-backed and 2.2% commercial mortgage-backed securities in its portfolio.
by whaleknives
Tue May 17, 2022 8:41 am
Forum: Personal Investments
Topic: Any you doing any Adjustments to your 100% Vanguard Total Bond ETF Position?
Replies: 33
Views: 4053

Re: Any you doing any Adjustments to your 100% Vanguard Total Bond ETF Position?

Like many I've wondered whether to change my fixed income fund from VG Total Bond to something less volatile. Take less risk without sacrificing too much return.

Image

Over 10 years the Short-Term Inflation Protected Securities has the shape I'd like, but lower returns than the others. That Intermediate-Term Corporate Bond ($50k minimum) has the highest returns, but is it behaving too much like a stock?

Image

Maybe not. Maybe I'll just wait and see.
by whaleknives
Fri Feb 18, 2022 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Tips on Reverse Mortgage
Replies: 14
Views: 1478

Re: Tips on Reverse Mortgage

I'm surprised no one wants to talk about reverse mortgages. You can look at the Wiki entry or search for past threads.
by whaleknives
Fri Feb 18, 2022 10:18 am
Forum: Personal Consumer Issues
Topic: What software is this? [screenshot from web page]
Replies: 3
Views: 1028

Re: What software is this?

mtwhmemn wrote: Fri Feb 18, 2022 8:32 am https://imgur.com/a/nPXRjuO
Money Guide Pro Elite has similar graphics and the term "What If Worksheet", but I can't find a worksheet image.

Your posted image actually looks like a PowerPoint presentation.
by whaleknives
Thu Feb 17, 2022 8:29 pm
Forum: Personal Consumer Issues
Topic: How to stop flood of mail from charities?
Replies: 55
Views: 7253

Re: How to stop flood of mail from charities?

RetiredCSProf wrote: Thu Feb 17, 2022 7:18 pm . . . I have been returning the mail unopened, with "Return to Sender" and "Unwanted Solicitation" written on the envelopes. But some don't have a return address on the envelope. . .
I have been told by my post office that "commercial mail" like this cannot be returned to sender, and USPS just throws it away for you. This is probably why some have no return address. You might as well recycle them yourself.
by whaleknives
Wed Feb 16, 2022 6:00 pm
Forum: Personal Consumer Issues
Topic: New house: suggestions on hvac with humidifier?
Replies: 15
Views: 1399

Re: New house: suggestions on hvac with humidifier?

How hard is your water? Lime buildup on wet media can cause performance and maintenance problems that steam and water injection avoid.
by whaleknives
Mon Feb 14, 2022 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Free File Fillable Forms Opens Jan 24
Replies: 73
Views: 5406

Re: Free File Fillable Forms Opens Jan 24

DIFAR31 wrote: Mon Feb 14, 2022 11:42 am . . . I first provided notification of the problem 11 days ago. Nothing has changed, nothing heard and the problem hasn't shown up on the list of reported issues.
It's been 19 days without a response to my message. They have removed my error from the list, which means "the developer reports the issue is resolved."
by whaleknives
Mon Feb 14, 2022 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Free File Fillable Forms Opens Jan 24
Replies: 73
Views: 5406

Re: Free File Fillable Forms Opens Jan 24

"Tax Tip 2022-24: IRS Free File can help take the stress out of tax season"

Not really.
by whaleknives
Thu Feb 10, 2022 1:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone know dates for rough investing period starting in the 60s?
Replies: 5
Views: 890

Re: Anyone know dates for rough investing period starting in the 60s?

My FIRECalc low balances all started around WWI, except for 1973-2002, which began with the 1973-75 Stock Market Crash and Recession and 1976-78 Bear Market, followed by slow growth to the 1995-2002 Dot Com Bubble and Crash.
by whaleknives
Thu Feb 10, 2022 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for Estate Planning Purposes
Replies: 26
Views: 1482

Re: Life Insurance for Estate Planning Purposes

The White Coat Investor is a reliable source on insurance: What's the Deal with Life Insurance and Estate Planning? Life insurance proceeds are not subject to income taxes. If you leave $1 million in life insurance proceeds to your wife, your kids, or your dog upon your death, none of them are going to pay a cent of that in income taxes. Thus, life insurance, even a permanent life insurance policy such as whole life, can sometimes be a good estate planning (but almost never a good investment planning ) tool. The proceeds can be used to pay estate taxes or provide liquidity for a family-owned business or farm that is difficult to sell. However, if the deceased/the estate is the owner of the insurance policy, the proceeds are still subject t...
by whaleknives
Sun Feb 06, 2022 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Free File Fillable Forms Opens Jan 24
Replies: 73
Views: 5406

Re: Free File Fillable Forms Opens Jan 24

I finally read MITRE's whitewash of the Free File Alliance. Its main point is that the IRS is only responsible for reducing the costs of e-filing to the IRS . If the commercial companies use it to drive "additional business opportunities," then that is the price we have to pay to reduce IRS processing expenses. After all, the practices "that critics have called deceptive are indeed common, legal business practices." The report uses endnote 24 to support its claim that Free File saved the IRS from the "prohibitive" costs of developing its own e-filing software. Endnote 24 is another MITRE report that estimates the costs of Free IRS Tax Preparation Software at: $136 million one-time plus $50 million per year for...
by whaleknives
Sat Feb 05, 2022 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Free File Fillable Forms Opens Jan 24
Replies: 73
Views: 5406

Re: Free File Fillable Forms Opens Jan 24

. . . Looks like their "Known Software Issues" section of their help page is starting to populate: https://www.irs.gov/e-file-providers/free-file-fillable-forms-help . . . Thanks for the tip; I didn't realize it was so real time. I ran into the "Form 1040 - Line 7 checkbox is not functioning properly, causing Business Rule IND-113 error" and a rejected filing. I sent a message to tech support and switched browsers from Safari to Chrome, with the same error. Surprisingly Chrome did not have access to all my previously saved data, which I had to re-enter. It is the same account, after all. While waiting I looked at the Free File software. TaxSlayer allows you to select and edit the forms you want without going through the...
by whaleknives
Sat Feb 20, 2021 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Are there benefits of local lender? (Jumbo Mortgage Loan)
Replies: 5
Views: 878

Re: Are there benefits of local lender? (Jumbo Mortgage Loan)

DocInColo wrote: Sat Feb 20, 2021 8:17 am Sometimes local banks can get more creative in financing if its a portfolio loan, but chances are both banks will end up selling off the loan to some other bank so it doesn't matter much at all.
"How come I didn't know this transfer might happen?
Did you read your contract? Really? It's mandatory for lenders to disclose whether your loan will be sold and the percentage of loans it sells. Better dig out that mortgage contract again."
https://www.huffpost.com/entry/what-you ... _b_5642913
by whaleknives
Thu Jan 21, 2021 9:59 pm
Forum: Personal Consumer Issues
Topic: Received Form 1099-G for Fraudulent Unemployment Claim. Yay!
Replies: 2
Views: 1130

Re: Received Form 1099-G for Fraudulent Unemployment Claim. Yay!

My only experience with 1099-G forms is for state income tax refunds, but this IRS page says you need a corrected 1099-G:
If payments made due to identity theft are mistakenly reported on Form 1099-G in the name of an identity theft victim, a corrected Form 1099-G reporting $0 should be issued to the identity theft victim and filed with the IRS as soon as possible after the error is discovered.
Identity theft guidance regarding unemployment compensation reporting
by whaleknives
Mon Sep 28, 2020 1:05 pm
Forum: Personal Investments
Topic: Vanguard Customer Service: How to Proactively Avoid a Problem
Replies: 15
Views: 1597

Re: Vanguard Customer Service: How to Proactively Avoid a Problem

In all situations involving transfers of assets, always contact and work with the firm receiving the assets, never the firm sending them. The firm that is receiving them is the one that has the motivation to work hard, follow up, double check, etc. This sounds reasonable in theory, but did not help my rollover of a Great-West (now Empower) 401(k) to a Vanguard IRA. At Vanguard's direction I sent completed Great-West withdrawal and Vanguard deposit forms to Vanguard, and started watching the transfer progress on Vanguard's website. After several days my human resources department told me that Great-West needed a withdrawal form. (This confirmed my suspicion that my employer was Great-West's customer, and not me.) Rather than deal with Vangu...
by whaleknives
Mon Sep 21, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare supplement and advantage question
Replies: 11
Views: 868

Re: Medicare supplement and advantage question

This Medicare.gov link will let you look up Advantage and Medigap plans for your zip code. For a given plan, click Plan Details > Extra Benefits > Hearing for coverage and co-pays.
by whaleknives
Wed Aug 05, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for CC cash back in personal budget
Replies: 41
Views: 3156

Re: Accounting for CC cash back in personal budget

airborne wrote: Wed Aug 05, 2020 10:00 amDo you add the redemption transaction to the income category, or do you use it to offset a spending category?
I put it in a "miscellaneous financial" line item of my expense budget, along with the occasional fee and safe deposit rental. It's a correction to your actual spending, and not income.

I don't assign it against any particular expense, although I might be tempted for a large one. And I don't prorate it over all expenses, because you've got to draw the line somewhere.
by whaleknives
Sat Aug 01, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Zoom problem or iPhone problem?
Replies: 6
Views: 702

Re: Zoom problem or iPhone problem?

Try downloading the "ZOOM Cloud Meetings" from the iPhone App Store. The app is more proactive and helpful for setting up a Zoom session than the browser site.
by whaleknives
Fri Jul 31, 2020 10:27 am
Forum: Personal Investments
Topic: Poor service at Vanguard making me re-think my decision
Replies: 310
Views: 39421

Re: Poor service at Vanguard making me re-think my decision

More grist for the mill, from White Coat Investor:
Almost 7 weeks to complete a transfer from @Fidelity to @Vanguard_Group. Not impressive guys. And you're both at fault. This should be able to be done online and completed in 3 days.
https://twitter.com/WCInvestor/status/1289054686205509632
The transfer in question was
A self-directed 401K to Roth IRA transfer. Essentially a Mega Backdoor Roth IRA.
And a review from earlier this month: Is Vanguard Losing Its Status?
by whaleknives
Sat Jul 04, 2020 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Filing for Social Security at 70 after spousal benefits
Replies: 20
Views: 2952

Re: Filing for Social Security at 70 after spousal benefits

celia wrote: Sat Jul 04, 2020 2:04 pm As far as I know, many/most local SS offices are not open. As for phone appointments, they worked well for us before the pandemic. Now, we have problems just finding someone to answer the phone.
One of Social Security's COVID-19 pages confirms that local field offices are closed to the public except for "critical" services. They recommend online, calling the local office first, and the national number last.
by whaleknives
Sat Jul 04, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Filing for Social Security at 70 after spousal benefits
Replies: 20
Views: 2952

Re: Filing for Social Security at 70 after spousal benefits

Are you sure I can apply in July? This page says that the earliest one can apply is age 61 and 9 months: "For social security income, the youngest age you can apply is 61 years and nine months old." https://www.investopedia.com/ask/answers/102814/how-soon-do-i-need-start-my-application-social-security-retirement-benefits.asp Wouldn't that be August for both my 62nd and 70st birtday? Also what you are saying seems to contradict some earlier posts. Social Security's Apply for Social Security Benefits says "You can apply online for Retirement or spouse's benefits or continue an application you already started. You must be at least 61 years and 9 months old and want your benefits to start no more than four months in the future ....
by whaleknives
Sat Jul 04, 2020 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Filing for Social Security at 70 after spousal benefits
Replies: 20
Views: 2952

Re: Filing for Social Security at 70 after spousal benefits

I turn 70 on Nov 9 this year. I am currently getting spousal benefits. Looks like I can file for full benefits after August 1st, 4 months before by first monthly payment in December. Is that correct? I plan to file online. Don't want to go to an office during the pandemic. I previously filed online for spousal benefits. I was wondering if anyone has some tips on the process. You can file online now for your retirement benefit with a "start" month of November, because that's how Social Security defines start and counts the four months in advance. If you look at the online retirement form , you'll see that the latest "start date" available is now November 2020 (for first payment in December): " When to Start Retireme...
by whaleknives
Fri Jun 23, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 4489

Re: Anyone have a habit of checking the market all day?

There was some article recently about those whose portfolios did best; they had literally forgotten about their portfolios! No, the article was their advisor had died. Not dead, or even forgotten: "In Praise of the Dead (Investors) Google "Fidelity dead investors" and you'll see a number of stories come up. The Conservative Income Investor informs that when conducting an internal performance review of customer performance from 2003 to 2013, Fidelity learned that those with the best returns were "either dead or inactive." Hedge fund manager Mohnish Pabrai refers to that study in a speech. In June, Moneyvator.com upgraded the finding's status to public, writing that Fidelity had "released a study" to that e...
by whaleknives
Thu Jun 22, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

12 days and responses are tapering off at 402. Individual stock ownership is 60%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. For a simple random sample from a large population, the maximum margin of error for a confidence level of 95% and a sample size n of 402 is approximated as 0.98/n^0.5 = 4.9%. This is true for any population size, and increasing the sample size would reduce that error from the maximum. A simple random sample is a sample of the population in which each member has an equal probability of being chosen. It is argued that there is a self-selection bias in a poll like this, which is currently an argument to vote if you don't own...
by whaleknives
Wed Jun 21, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

11 days, 399 responses, and individual stock ownership is 60%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 11 days 399 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | Employer Stock | (late question) | Stock < 40 82 21% | < $1 Million 98 25% | Yes 76 19% | < 25% 119 30% | 40-60 107 27% | $1 - < $3 Mil 78 20% | No 165 41% | 25% - < 50% 19 5% | 61-80 51 13% | $3 - < $5 Mil 38 10% | | 50% - < 75% 12 3% | > 80 1 0% | $5 - < $7 Mil 10 3% | | 75% + 11 3% | | $7 Mil + 17 4% | | | Totals 241 60% | 241 60% | 241 60% | 161 40% | 158 40% The links for the survey are: Poll: https://goo.gl/xdjtR9 Results: https://goo.gl/M5t...
by whaleknives
Wed Jun 21, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 5893

Re: Vanguard invite - transition to a Brokerage Acct

The Wizard wrote:. . . You still own the same mutual funds after changing to a brokerage account. Nothing changes there...
It's the mutual fund accounts I want to keep. :D
by whaleknives
Wed Jun 21, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 5893

Re: Vanguard invite - transition to a Brokerage Acct

KyleAAA wrote:I'd advise taking the plunge. There were no downsides for me (the interface changed very slightly, but not in a bad way). Plus you get SIPC coverage.
But some argue that SIPC coverage is of no benefit for mutual funds:
viewtopic.php?f=10&t=219235&newpost=3375071
by whaleknives
Wed Jun 21, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 5893

Re: Vanguard invite - transition to a Brokerage Acct

flamesabers wrote:. . .After I log into my account, I just enter "brokerage upgrade" in the search box. When I click on the search results, it prompts me to go through the upgrade process.
It certainly is a lower profile than the previous upgrade button. We currently have only mutual fund accounts, and I'd like to keep them.
by whaleknives
Wed Jun 21, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 5893

Re: Vanguard invite - transition to a Brokerage Acct

flamesabers wrote:. . . There's a link you can use to upgrade your account. This topic has been discussed before. . .
After ignoring my upgrade link, it seems to have disappeared. Where is yours?
by whaleknives
Wed Jun 21, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 5893

Re: Vanguard invite - transition to a Brokerage Acct

informal guide wrote:I wonder if the invite is some sort of test or pilot project, given no one else is reporting receiving this?
Actually, the Wiki Google search "vanguard brokerage account upgrade site:bogleheads.org" shows 18,000 results. Evidently it's slowly being phased in, and prompts new threads when the invitation is received.
by whaleknives
Wed Jun 21, 2017 7:25 am
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

. . .I would also caution readers their IP address and web browser are also part of the dataset. You can download the data here: Bogleheads poll on individual stock ownership - Results , then click on "Responses". I hope modifying the "Security" settings does not change the poll configuration in real time. . . As requested by LadyGeek, I have confirmed that the survey results cannot be edited without logging in to the survey owner's account. The "Manage" tab on the public results page has menus that show individual responses, identified by IP Address, address "location", operating system, date and time. Some views seem to offer editing the security settings that block multiple responses, or deleting ...
by whaleknives
Tue Jun 20, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

10 days, 375 responses, and individual stock ownership is still 61%. The largest categories for stockholders are unchanged at age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. A new foreign city reporting: Victoria, Canada. The State with the most responses is California at 13%; all other States are in single digits. 10 days 375 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | Employer Stock | (late question) | Stock < 40 78 21% | < $1 Million 93 25% | Yes 72 19% | < 25% 112 30% | 40-60 103 27% | $1 - < $3 Mil 76 20% | No 158 42% | 25% - < 50% 17 5% | 61-80 48 13% | $3 - < $5 Mil 35 9% | | 50% - < 75% 12 3% | > 80 1 0% | $5 - < $7 Mil 10 3% | | 75% + 9 2% | | $...
by whaleknives
Mon Jun 19, 2017 10:00 pm
Forum: Personal Investments
Topic: Help with TIAA-CREF Investment Options
Replies: 6
Views: 1362

Re: Help with TIAA-CREF Investment Options

. . . I have a 403b and a Roth with TIAA-CREF, and my husband has Roth and traditional IRAs, also with TIAA-CREF. We are going to roll over his assets to Vanguard but leave my 403b intact with TIAA-CREF. We also have other separate after-tax Vanguard assets. . . I have accumulated multiple TIAA-CREF contracts as my employer made changes in the plan over the years. This makes matters confusing. Also, I don't know how to tell which funds are available to me in which contracts--I can't find a list anywhere. For instance, I saw reference to TIAA-CREF's low-cost S&P index fund somewhere--but I'm not sure if I have access to that fund. . . If you can't easily find all the funds available to your TIAA-CREF plan (plans? :shock: ), you have to ...
by whaleknives
Mon Jun 19, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 10528

Re: Alternatives to Amazon

Blue wrote:. . . Curious what people like/don't like as an alternative to Amazon, especially ones that use a more traditional, vetted delivery process. . .
I had to stop buying over-the-counter medications from Amazon, because they literally failed in fulfillment. They have a pricing policy where they refuse to sell you what you've selected, unless you buy something else to raise the total. I'm now very satisfied with Target online. They typically give me free standard delivery by UPS.
by whaleknives
Mon Jun 19, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

MichaelRpdx wrote:Among an age bracket, what is the percentage of stock owners?
Or just add the number of survey respondents per age bracket and the rest can be deduced.
The same as "Yes [to stock ownership] by Age":

Code: Select all

Stock Owners by Age 
  < 40    73  20%   
  40-60   97  27%   
  61-80   48  13%   
  > 80     1   0% 
  Totals 219  61%  
by whaleknives
Mon Jun 19, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

9 days, 359 responses, and individual stock ownership is still 61%. The largest categories for stockholders are unchanged at age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 9 days 359 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | Employer Stock | (late question) | Stock < 40 73 20% | < $1 Million 88 25% | Yes 67 19% | < 25% 104 29% | 40-60 97 27% | $1 - < $3 Mil 73 20% | No 152 42% | 25% - < 50% 16 4% | 61-80 48 13% | $3 - < $5 Mil 32 9% | | 50% - < 75% 11 3% | > 80 1 0% | $5 - < $7 Mil 10 3% | | 75% + 8 2% | | $7 Mil + 16 4% | | | Totals 219 61% | 219 61% | 219 61% | 139 39% | 140 39% The links for the survey are: Poll: https://goo.gl/xdjtR9 Results: http...
by whaleknives
Mon Jun 19, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

a5ehren wrote:I hold company stock for about 10 minutes twice a year from ESPP. Company has returned a total of 4% over the last 5 years while being pretty volatile, so there's no reason to hold it in a decent portfolio.
Worst case scenario (after discount and tax) is ~10% return over 6 months, but it is usually more like 15-18%. Usually take the cash and sock it in the savings account to go towards large capital purchases like a new kitchen, car, etc.
I would say, if you sell it, you don't own it. :D
by whaleknives
Mon Jun 19, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

MichaelRpdx wrote:Could you list out the stock ownership stats for each age bracket please?
I'm not sure what you mean. The "Yes by Age" section in Code shows the responses and % for individual stock owners by age group. Could you be more specific?
by whaleknives
Sun Jun 18, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

8 days, 342 responses, and individual stock ownership is 61%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 8 days 342 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | Employer Stock | (late question) | Stock < 40 69 20% | < $1 Million 81 24% | Yes 64 19% | < 25% 98 29% | 40-60 92 27% | $1 - < $3 Mil 72 21% | No 145 42% | 25% - < 50% 16 5% | 61-80 47 14% | $3 - < $5 Mil 31 9% | | 50% - < 75% 10 3% | > 80 1 0% | $5 - < $7 Mil 9 3% | | 75% + 5 1% | | $7 Mil + 16 5% | | | Totals 209 61% | 209 61% | 209 61% | 129 38% | 130 39% The links for the survey are: Poll: https://goo.gl/xdjtR9 Results: https://goo.gl/M5t7Se Any...
by whaleknives
Sat Jun 17, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

7 days, 335 responses, and individual stock ownership is 61%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. New country reports are from Oranjestad, Aruba; Bodegraven, Netherlands; and Fornebu, Norway. 7 days 335 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | Employer Stock | (late question) | Stock < 40 68 20% | < $1 Million 79 24% | Yes 62 19% | < 25% 96 29% | 40-60 90 27% | $1 - < $3 Mil 71 21% | No 143 43% | 25% - < 50% 15 4% | 61-80 46 14% | $3 - < $5 Mil 30 9% | | 50% - < 75% 9 3% | > 80 1 0% | $5 - < $7 Mil 9 3% | | 75% + 5 1% | | $7 Mil + 16 5% | | | Totals 205 61% | 205 61% | 205 61% | 125 37% | 130 39%...
by whaleknives
Fri Jun 16, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 8155

Re: Suggestions for password storage services?

I don't have any personal experience (yet), but these have been recommended to me:
with KeePassX as the most secure, but less user-friendly.

_____
*Name correction from obafgkm
by whaleknives
Fri Jun 16, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 21422

Re: Poll: Do Bogleheads own Stocks?

6 days, 320 responses, and individual stock ownership is 60%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. New country reports are from Horsens, Denmark; Riyadh, Saudi Arabia; and Lund, Sweden. New cities are Maidenhead, Vancouver, and Whitestone. 6 days 320 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | Employer Stock | (late question) | Stock < 40 66 21% | < $1 Million 76 24% | Yes 59 18% | < 25% 88 28% | 40-60 83 26% | $1 - < $3 Mil 67 21% | No 134 42% | 25% - < 50% 14 4% | 61-80 43 13% | $3 - < $5 Mil 27 8% | | 50% - < 75% 7 2% | > 80 1 0% | $5 - < $7 Mil 8 3% | | 75% + 4 1% | | $7 Mil + 15 5% | | | Totals ...
by whaleknives
Fri Jun 16, 2017 11:09 am
Forum: Personal Investments
Topic: 401k Choices
Replies: 2
Views: 1139

Re: 401k Choices

rzk96 wrote:. . . I got a notification recently that my 401k was changing to Blackrock Lifepath Index. It was Vanguard Target Fund. Now I'm unsure if this is an ok 401k choice? See below for choices. Expense Ratios included. And even if I should stick to my Blackrock Lifepath choice... do I need any actual Total Bonds purchase to my taxable? I am 27 . . .
I was going to compare Vanguard Target to Blackrock Lifepath on a growth chart, but decided I didn't want to assume years and tickers. You'll get better responses if you can provide the information in Asking Portfolio Questions, especially the fund tickers. Just edit your original post.
by whaleknives
Fri Jun 16, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 7804

Re: Vanguard risk tolerance survey blunder.

nisiprius wrote:. . . I mean, seriously. One of these questionnaires could include a question, "Which of these would you like to do on your next vacation?
a) "Skydive."
b) "Walk a tightrope across Niagara Falls."
c) "Try to jump Snake River Canyon in a replica of Evel Knievel's SkyCycle K-2."
I'll bet most people would pick "b."
Your example is flawed. I already know I can skydive much better than walk a tightrope or fly a motorcycle. :D